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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,965 | $99,345-93.0% | $84,753-91.8% | $273,972-97.5% |
| Participation rate | 95.8% | 80.7%+15.1pp | 76.6%+19.2pp | 83.0%+12.8pp |
| Annual return | 6.25% | 22.93%-16.7pp | 22.78%-16.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $3,348 | $4,214-20.5% | $3,574-6.3% | $4,869-31.2% |
| Participant deferral / active EE | $1,653 | $4,270-61.3% | $3,712-55.5% | $5,287-68.7% |
| Admin fee / account holder | $319 | $6,645-95.2% | $5,333-94.0% | $10,133-96.9% |